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Qin Wang
Lloyds TSB Pacific Limited
Hong Kong Branch
Fax,+:852--301-
53029
Thank you for giving me your time. Please be
patient and read my email to you.
I am a staff of Lloyds TSB Group
attached in private Banking Services. I am contacting you concerning a
customer and, an investment placed under our banks management 3 years
ago, I contacted you independently of our investigation and no one is
informed of this communication and I would like to intimate you with
certain facts that I believe would be of interest to you.
In 2000,
the subject matter; ref: bb/tsb/bank/73 came to our bank to engage in
business discussions with our Private Banking Services Department. He
informed us that he had a financial portfolio of 8.35 million United
States Dollars, which he wished to have us turn over on his behalf. I
was the officer assigned to his case; I made numerous suggestions in
line with my duties as the de-facto chief operations officer of the
Private Banking Services Department, especially given the volume of
funds he wished to put into our bank. We met on numerous occasions
prior to any investments being placed. I encouraged him to consider
various growth funds with prime ratings. The favoured route in my
advice to customers is to start by assessing data on 600 traditional
stocks and bond managers and alternative investments. Based on my
advice, we spun the money around various opportunities and made
attractive margins for our first months of operation, the accrued
profit and interest stood at this point at over 10 million United
States Dollars, this margin was not the full potential of the fund but
he desired low risk guaranteed returns on investments.
In mid 2001,
he asked that the money be liquidated because he needed to make an
urgent investment requiring cash payments in Europe. He directed that I
liquidate the funds and had it deposited with a firm in Europe. I
informed him that our bank would have to make special arrangements to
have this done and in order not to circumvent due process, the bank
would have to make a 9.5 % deduction from the funds to cater for
banking and statutory charges. He complained about the charges but
later came around when I explained to him the complexities of the task
he was asking of us. Cash movement across borders has become especially
strict since the incidents of 9/11.
I contacted my affiliate in
Europe and had the funds available in main land Europe. I undertook all
the processes and made sure I followed his precise instructions to the
letter and had the funds deposited in a security consultancy firm, the
firm is a specialist private firm that accepts deposits from high net
worth individuals and blue chip corporations that handle valuable
products or undertake transactions that need immediate access to cash.
This small and highly private organization is familiar especially to
the highly placed and well-connected organizations. In line with
instructions, the money was deposited. He told me he wanted the money
there in anticipation of his arrival from Norway later that week. This
was the last communication we had, this transpired around 25th February
2002. In June last year, we got a call from the security firm informing
us of the inactivity of that particular portfolio. This was an
astounding position as far as I was concerned, given the fact that I
managed the private banking sector I was the only one who knew about
the deposit, and I could not understand why he had not come forward to
claim his deposit. I made futile efforts to locate him I immediately
passed the task of locating him to the internal investigations
department of our bank. Four days later, information started to trickle
in, that he was apparently dead.
A person who suited his description
was declared dead of a heart attack in Cannes, South of France. We were
soon enough able to identify the body and cause of death was confirmed.
The bank immediately launched an investigation into possible surviving
next of kin to alert about the situation and also to come forward to
claim his estate. If you are familiar with private banking affairs,
those who patronize our services usually prefer anonymity, but also
some levels of detachment from conventional processes. In his bio-data
form, he listed no next of kin. In the field of private banking,
opening an account with us means no one will know of its existence,
accounts are rarely held under a name; depositors use numbers and codes
to make the accounts anonymous. This bank also gives the choice to
depositors of having their mail sent to them or held at the bank
itself, ensuring that there are no traces of the account and as I said,
rarely do they nominate next of kin. Private banking clients apart from
not nominating next of kin also usually in most cases leave wills in
our care, in this case; he died in testate.
What I wish to relate to
you will smack of unethical practice but I want you to understand
something. It is only an outsider to the banking world who finds the
internal politics of the banking world aberrational. The world of
private banking especially is fraught with huge rewards for those who
occupy certain offices and oversee certain portfolios. You should have
begun by now to put together the general direction of what I propose.
There is US$ 8,370,000.00 deposited, I alone have the deposit details
and they will release the deposit to no one unless I instruct them to
do so. I alone know of the existence of this deposit for as far as the
finance firm, the transaction with our deceased customer concluded when
I sent the funds to the firm, all outstanding interactions in relation
to the file are just customer services and due process. The finance
firm has no single idea of what's the history or nature of the deposit.
They are simply awaiting instructions to release the deposit to any
party that comes forward. This is the situation. This bank has spent
great amounts of money trying to track this man's family; they have
investigated for months and have found no family. The investigation has
come to an end. My proposal; you share similar details to the late
fellow; I am prepared to place you in a position to instruct the
finance firm to release the deposit to you as the closest surviving
relation. Upon receipt of the deposit, I am prepared to share the money
with you in half and no more. That is: I will simply nominate you as
the next of kin and have them release the deposit to you. We share the
proceeds 50/50.
I would have gone ahead to ask the funds be released
to me, but that would have drawn a straight line to me and my
involvement in claiming the deposit. But on the other hand, you with a
similar name as the original depositor would easily pass as the
beneficiary with the rights to claim. I assure you that I could have
the deposit released to you in a few days. I will simply inform our
bank of the final closing of the file relating to the customer. I will
then officially communicate with the finance company and instruct them
to release the deposit to you. With these two things: all is done. The
alternative would be for us to have the firm direct the funds to
another bank with you as account holder. This way there will be no need
for you to think of receiving the money from the firm. We can fine-tune
this based on our interactions. I am aware of the consequences of this
proposal. I ask that if you find no interest in this project that you
should discard this mail. I ask that you do not be vindictive or
destructive. If my offer is of no appeal to you, delete this message
and forget I ever contacted you.
Do not destroy my career because
you do not approve of my proposal. You may not know this but people
like myself who have made tidy sums out of comparable situations run
the whole private banking sector. I am not a criminal and what I do; I
do not find against good conscience, this may be hard for you to
understand, but the dynamics of my industry dictates that I make this
move. Such opportunities only come ones' way once in a lifetime. I
cannot let this chance pass me by I hope you understand because for
once I found myself in total control and face to face with my destiny.
These chances won't pass me by. I ask that you do not destroy my
chance, if you will not work with me let me know and let me move on
with my life but do not destroy me. I am a family man and this is an
opportunity to provide them with new opportunities. There is a reward
for this project and it is a task well worth undertaking. I have
evaluated the risks and the only risk I have here is from you refusing
to work with me and alerting my bank. I am the only one who knows of
this situation, good fortune has blessed you with a name that has
planted you into the center of relevance in my life. Let's share the
blessing.
If you find yourself able to work with me, contact me
through this email account qinwang_wangqin@yahoo.com.hk . If you give me
positive signals, I will initiate this process towards a conclusion. I
wish to inform you that should you contact me via official channels; I
will deny knowing you and about this project. I repeat, I do not want
you contacting me through my official phone lines nor do I want you
contacting me through my official email account. Contact me only
through this email address. I do not want any direct link between you
and me. My official lines are not secure lines as they are periodically
monitored to assess our level of customer care in line with our Total
Quality Management Policy.
Please observe this instruction
religiously. Please, again, note I am a family man; I happily married
with two kids. I send you this mail not without a measure of fear as to
what the consequences might be, but I know within me that nothing
ventured is nothing gained and that success and riches never come easy
or on a platter of gold. This is the one truth I have learned from my
private banking clients. Do not betray my confidence. If we can be of
one accord, we should plan a meeting, soon.
I await your response.
Sincerely,
Qin Wang
TEXT ONLY EQUIVALENT
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